Rates subject to change and are only available through this site.
Product interest rates effective as of .
| Account Type | Min. Opening Balance | Required to Earn Interest | Interest Rate | APY* |
|---|---|---|---|---|
  | ||||
| Free Checking* | n/a | n/a | n/a | n/a |
| Interest Checking** | $50.00 | $25.00 - 49.99 | 0.00% | 0.00% |
| $50.00 | $50.00 - 499.99 | 0.00% | 0.00% | |
| $50.00 | $500.00 + | 0.00% | 0.00% | |
| Account Type | Min. Opening Balance | Required to Earn Interest | Interest Rate | APY |
|---|---|---|---|---|
 | ||||
| High Yield Money Market Savings | $1 | $1 | 0.00% | 0.00% |
| Account Type | Min. Opening Balance | Required to Earn Interest | Interest Rate | APY |
|---|---|---|---|---|
 | ||||
| Money Market | $200.00 | $200.00 – 1,999.99 | 0.00% | 0.00% |
| $200.00 | $2,000.00 – 14,999.99 | 0.00% | 0.00% | |
| $200.00 | $15,000.00 – 99,999.99 | 0.00% | 0.00% | |
| Jumbo Money Market*** | $50,000 | $50,000 + | 0.00% | 0.00% |
| Account Type | Min. Opening Balance | Required to Earn Interest | Interest Rate | APY |
|---|---|---|---|---|
 | ||||
| 1-Month Term | $8,000 | $8,000 – 19,000.00 | 0.00% | 0.00% |
| $20,000 | $20,000 – 49,999.99 | 0.00% | 0.00% | |
| $50,000 | $50,000 – $50,000 + | 0.00% | 0.00% | |
| 3-Month Term | $8,000 | $8,000 – 19,000.00 | 0.00% | 0.00% |
| $20,000 | $20,000 – 49,999.99 | 0.00% | 0.00% | |
| $50,000 | $50,000 – $50,000 + | 0.00% | 0.00% | |
| 6-Month Term | $8,000 | $8,000 – 19,000.00 | 0.00% | 0.00% |
| $20,000 | $20,000 – 49,999.99 | 0.00% | 0.00% | |
| $50,000 | $50,000 – $50,000 + | 0.00% | 0.00% | |
| 12-Month Term | $8,000 | $8,000 – 19,000.00 | 0.00% | 0.00% |
| $20,000 | $20,000 – 49,999.99 | 0.00% | 0.00% | |
| $50,000 | $50,000 – $50,000 + | 0.00% | 0.00% | |
| 2-Year Term | $8,000 | $8,000 – 19,000.00 | 0.00% | 0.00% |
| $20,000 | $20,000 – 49,999.99 | 0.00% | 0.00% | |
| $50,000 | $50,000 – $50,000 + | 0.00% | 0.00% | |
| 3-Year Term | $8,000 | $8,000 – 19,000.00 | 0.00% | 0.00% |
| $20,000 | $20,000 – 49,999.99 | 0.00% | 0.00% | |
| $50,000 | $50,000 – $50,000 + | 0.00% | 0.00% | |
| 5-Year Term | $8,000 | $8,000 – 19,000.00 | 0.00% | 0.00% |
| $20,000 | $20,000 – 49,999.99 | 0.00% | 0.00% | |
| $50,000 | $50,000 – $50,000 + | 0.00% | 0.00% | |
*Free Checking is non-interest bearing.
**For Interest Checking accounts with balances below $200, the Rate/APY will drop to 0%. Interest Checking accounts will incur a $5 monthly service fee if the monthly average balance falls below $200.
Interest Checking accounts are variable rate products and rates may change daily without prior notification. Waterfield Bank uses the daily balance method of computing interest, which applies a periodic rate to the full collected amount of principal in the account each day.
***For Money Market Savings Accounts with balances below $200 the Rate/APY will drop to 0%. The Money Market Savings Accounts will incur a $10 monthly service fee if the monthly average balance falls below $200.
***For Jumbo Money Market Accounts with balances below $100,000, the Rate/APY will be calculated based on the Money Market tiers. The Jumbo Money Market Account will incur the $10 monthly service fee if the monthly average balance falls below $200.
Money Market Savings accounts are variable rate products and rates may change daily without prior notification. Waterfield Bank uses the daily balance method of computing interest, which applies a periodic rate to the full collected amount of principal in the account each day.
Annual Percentage Yield Calculation: APY = 100 {(1+Interest/Principal) (365/Days in term) -1}. For additional rules of accounts, see the Terms & Conditions.
| Account Type | Min. Opening Balance | Required to Earn Interest | Interest Rate | APY* |
|---|---|---|---|---|
 | ||||
| Basic Checking* | $200 | n/a | n/a | n/a |
| Interest Checking** | $200.00 | $200.00 - 1,499.99 | 0.00% | 0.00% |
| $200.00 | $1,500.00 - 9,999.99 | 0.00% | 0.00% | |
| $200.00 | $10,000 + | 0.00% | 0.00% | |
| Account Type | Min. Opening Balance | Required to Earn Interest | Interest Rate | APY |
|---|---|---|---|---|
 | ||||
| Business Savings | $200.00 | $200.00 – 1,999.99 | 0.00% | 0.00% |
| $200.00 | $2,000.00 – 14,999.99 | 0.00% | 0.00% | |
| $200.00 | $15,000 + | 0.00% | 0.00% | |
| Jumbo Business Savings*** | $50,000 | $50,000 + | 0.00% | 0.00% |
| Account Type | Min. Opening Balance | Required to Earn Interest | Interest Rate | APY |
|---|---|---|---|---|
 | ||||
| 3-Month Term | $8,000 | $8,000 – 19,000.00 | 0.00% | 0.00% |
| $20,000 | $20,000 – 49,999.99 | 0.00% | 0.00% | |
| $50,000 | $50,000 + | 0.00% | 0.00% | |
| 6-Month Term | $8,000 | $8,000 – 19,000.00 | 0.00% | 0.00% |
| $20,000 | $20,000 – 49,999.99 | 0.00% | 0.00% | |
| $50,000 | $50,000 + | 0.00% | 0.00% | |
| 12-Month Term | $8,000 | $8,000 – 19,000.00 | 0.00% | 0.00% |
| $20,000 | $20,000 – 49,999.99 | 0.00% | 0.00% | |
| $50,000 | $50,000 + | 0.00% | 0.00% | |
| 2-Year Term | $8,000 | $8,000 – 19,000.00 | 0.00% | 0.00% |
| $20,000 | $20,000 – 49,999.99 | 0.00% | 0.00% | |
| $50,000 | $50,000 + | 0.00% | 0.00% | |
| 3-Year Term | $8,000 | $8,000 – 19,000.00 | 0.00% | 0.00% |
| $20,000 | $20,000 – 49,999.99 | 0.00% | 0.00% | |
| $50,000 | $50,000 + | 0.00% | 0.00% | |
| 5-Year Term | $8,000 | $8,000 – 19,000.00 | 0.00% | 0.00% |
| $20,000 | $20,000 – 49,999.99 | 0.00% | 0.00% | |
| $50,000 | $50,000 + | 0.00% | 0.00% | |
*Basic Checking is non-interest bearing.
**For Interest Checking accounts with balances below $200, the Rate/APY will drop to 0%. Interest Checking accounts will incur a $5 monthly service fee if the monthly average balance falls below $200.
Interest Checking accounts are variable rate products and rates may change daily without prior notification. Waterfield Bank uses the daily balance method of computing interest, which applies a periodic rate to the full collected amount of principal in the account each day.
***For Business Savings accounts with balances below $200 the Rate/APY will drop to 0%. The Business Savings accounts will incur a $10 monthly service fee if the monthly average balance falls below $200.
***For Jumbo Business Savings Accounts with balances below $100,000, the Rate/APY will be calculated based on the Money Market tiers. The Jumbo Money Market Account will incur the $10 monthly service fee if the monthly average balance falls below $200.
Business Savings accounts are variable rate products and rates may change daily without prior notification. Waterfield Bank uses the daily balance method of computing interest, which applies a periodic rate to the full collected amount of principal in the account each day.
Annual Percentage Yield Calculation: APY = 100 {(1+Interest/Principal) (365/Days in term) -1}. For additional rules of accounts, see the Terms & Conditions.
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